Why You're Looking at Kemper for SR-22 in Texas
You've been quoted by a broker who mentioned Kemper, or you saw the name while searching for non-standard carriers writing SR-22 in Texas. Either way, you landed here because you need to know whether Kemper will actually file SR-22 for your situation, what it costs, and how quickly they can get the certificate to the Texas Department of Public Safety.
Kemper does write SR-22 policies in Texas. They operate in the non-standard tier, which means they're structured for drivers with suspensions, violations, or other compliance requirements. But there's a procedural catch: Kemper's online quote tool doesn't surface SR-22 filing as a selectable option. You must verify filing capability directly with a licensed agent or broker who writes Kemper policies.
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Get Your Free QuoteTexas SR-22 Filing Fee
$25–$50
Kemper charges a one-time filing fee to submit the SR-22 certificate to DPS. This fee is separate from your premium and is collected at policy inception. The exact amount varies by underwriting entity and broker, but most Texas filers pay within this range.
Kemper agent SR-22 guide and broker rate sheets
What Kemper SR-22 Actually Covers in Texas
SR-22 is not a separate insurance product. It's a certificate that proves you carry at least Texas minimum liability: $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. Kemper files this certificate electronically with DPS once your policy is active.
The policy itself functions like any liability policy: it pays third-party claims when you're at fault. If you hit another vehicle, Kemper pays up to your coverage limits for the other driver's injuries and property damage. It does not cover your own vehicle unless you add collision and comprehensive. SR-22 filers typically start with liability-only coverage to meet the reinstatement requirement, then add broader coverage once the license is restored.
Texas requires SR-22 for two years from your reinstatement date if you were suspended for DUI, uninsured driving, or multiple violations under Texas Transportation Code §601.153. The filing period clock starts when DPS confirms reinstatement, not when you buy the policy. If your policy lapses during those two years, Kemper must notify DPS within 10 days, and your license suspends again automatically.
Kemper's online quote portal does not include SR-22 filing as a visible option — you must call an agent or broker who writes Kemper to verify filing capability before binding coverage.
How to Get a Kemper SR-22 Quote in Texas
Start by calling a licensed Texas broker who specializes in non-standard or high-risk auto insurance. Tell them you need SR-22 filing and ask whether they write Kemper policies. Not all brokers carry Kemper appointments, so you may need to call two or three offices. When you reach a broker who writes Kemper, provide your driver's license number, suspension notice details, and vehicle information if you own a car. If you don't own a vehicle, specify that you need a non-owner SR-22 policy.
The broker will run your information through Kemper's underwriting system and return a quote within 24–48 hours. The quote will include your six-month premium, the SR-22 filing fee, and any down payment required to bind the policy. Kemper typically requires 20–25% down for SR-22 filers. Once you approve the quote and pay the down payment, the broker binds the policy and Kemper files the SR-22 certificate with DPS electronically. DPS processes the filing within 1–3 business days, and you can verify receipt by checking your driving record online at txdps.state.tx.us.
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Kemper SR-22 Premium Cost After Suspension in Texas
Kemper premiums for SR-22 filers in Texas typically range from $140 to $280 per month, depending on your age, violation type, county, and whether you need liability-only or full coverage. A single DUI suspension in a rural county might land near $140/month for minimum liability. Multiple violations in Harris or Dallas counties push premiums toward $220–$280/month.
Non-owner SR-22 policies cost less than standard policies because there's no vehicle to insure. Kemper non-owner premiums in Texas run approximately $85–$140/month. This option works if you don't currently own a car but need to maintain SR-22 filing to satisfy DPS reinstatement requirements or keep your license valid during a suspension period.
Kemper's pricing reflects non-standard tier underwriting: they accept higher-risk drivers but charge accordingly. You won't find preferred-tier rates here. But Kemper is one of the few carriers willing to write SR-22 policies for drivers with multiple violations, DUI convictions, or recent suspensions that standard carriers decline outright.
Texas DPS SR-22 Processing Window
1–3 business days
Once Kemper files your SR-22 certificate electronically, DPS processes it within this window. You can verify receipt by checking your driving record online or calling DPS driver records at 512-424-2600. Do not assume DPS received the filing until you've confirmed it — broker confirmation alone is not proof of state receipt.
Texas DPS driver license reinstatement portal
What Happens If Your Kemper SR-22 Policy Lapses
If you miss a payment and Kemper cancels your policy for non-payment, they must notify DPS within 10 days under Texas Transportation Code §601.153. DPS will suspend your license again immediately, even if you're still within your original two-year SR-22 filing period. There is no grace period for late payments on SR-22 policies.
To lift the new suspension, you must reinstate the Kemper policy or buy a new SR-22 policy from another carrier, pay a $125 reinstatement fee to DPS, and wait for DPS to process the new filing. The two-year SR-22 clock does not reset — it continues from your original reinstatement date — but the administrative suspension for the lapse stays on your record as a separate event. Most carriers will not reinstate a lapsed SR-22 policy; you'll need to shop for a new carrier willing to write post-lapse coverage, and premiums typically increase 15–30% after a lapse incident.
Compare Kemper Against Other Texas SR-22 Carriers
Kemper is one option in a narrow field. Other carriers writing SR-22 in Texas include Progressive, Dairyland, The General, Bristol West, GAINSCO, and Acceptance Insurance. Progressive and GEICO offer online quotes for SR-22 filers, which makes them easier to shop if you want to compare pricing without calling multiple brokers. Dairyland and The General specialize in non-owner SR-22 policies and often quote lower premiums than Kemper for drivers without vehicles.
The practical next step: get quotes from at least three carriers. Call a broker who writes Kemper, get an online quote from Progressive or GEICO, and request a Dairyland or General quote if you need non-owner coverage. Compare the six-month total cost (premium plus filing fee plus down payment), verify that each carrier will file electronically with DPS, and confirm the policy start date aligns with your reinstatement timeline. Bind the policy that gives you the lowest cost and fastest filing confirmation.